institution established under a specific law and treated as a financial institution under the Law on Loan Interest of Financial Institutions 2 ; 1 The Law on Financial Institutions means the Financial
& administrative expenses 66 119 78.6% EBITDA 59 90 51.9% Net profit from financial statement 37 54 47.6% Net profit (exc. Minority Interest) 37 53 42.3% Gross profit margin 53.2% 62.4% EBITDA margin 31.3% 31.1
% Interest income 100 - 100% 129 -22% 121 -17% Gain on disposal of assets - - - 309,034 -100% Revenue from franchise - - - 1,836 -100% Other income 3,909 4,306 -9% 3,503 12% 13,328 -71% Total revenues 538,364
) -0.3% (3.78) -0.6% 99.0% 60.2% Interest expenses (8.78) -1.1% (6.54) -0.9% (4.47) -0.7% -31.7% -49.1% Profit before income tax expenses 165.18 20.5% 140.81 19.3% 113.00 17.0% -19.8% -31.6% Income tax
. - Other income was Baht 467.97 million, a decrease of Baht 21.40 million or down by 4.37% in relation to the lower interest income. 2. Gross profit from product sales and service income (Home Service) was
) -0.3% -47.6% -10.4% Interest expenses (7.13) -0.9% (4.47) -0.7% (5.64) -0.8% 26.2% -20.9% Profit before income tax expenses 162.32 20.8% 113.00 17.0% 137.17 18.7% 21.4% -15.5% Income tax expense (18.59
addition, the Bank of Thailand cut the ceiling rates for interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onwards. On the
rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onward. However, a change of customer behavior to be more
334 121.6% Share of profit (loss) from Investment in Associates and Joint Venture 152 64 88 137.3% EBIT 760 339 422 124.5% Interest Income 3 1 1 108.7% Finance cost -86 -87 1 -1.0% Income tax expenses